NIM compression from deposit repricing
Further increase in deposit costs, including the 10 bps retail deposit rate hike in February, could lead to additional NIM compression until rate cuts materialize.
ICICIBANK / Q4-FY24 / risks
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ICICI Bank · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Competitive intensity in lending
While competitive intensity has moderated recently, it remains dynamic and could intensify again, pressuring lending yields and growth.
Operational risk incidents
A data breach involving 17,000 credit cards was disclosed; while corrective action was taken, such incidents could attract regulatory scrutiny and reputational damage.